Considerations for 2023

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1. ON EARNING

Never depend on single income. Make investment to create a second chance.

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2. ON SPENDING

If you buy things you do not need, soon you will have to sell things you need.

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3. ON SAVINGS

Do not save what is left after spending, but spend what is left after saving.

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4. ON TAKING RISK

Never test the depth of a river with both feet.

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5. ON INVESTMENT

Do not put all eggs in one basket.

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6. ON EXPECTATIONS

Honesty is a very expensive gift. Do not expect it from cheap people.

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7. Past is a waste paper, present is a newspaper, and future is a question paper. Come out of your past, control the present, and secure the future.

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8. When bad things happen in your life, you have three choices. You can either let it define you, let it destroy you or you can let it strengthen you.

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9. Our eyes are in the front because it is more important to look ahead than to look backwards.

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10. We use pencil when we were young, but now we use pens. Do you know why? Because mistakes in childhood can easily be erased, unlike now. 

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